I'd suggest holding off applying for this cycle. If your GPA is as advertised you're better off waiting until next year so you'll at least have some sort of positive trend with a strong senior finish.
Get volunteering, call up as many hospitals that are nearby and start ASAP. Make sure you get at least 40-50 hours of shadowing this summer, and you seem set research-wise.
Since you're applying next year, I'd hold off on the MCAT as well, if you haven't signed up for the MCAT yet chances are you won't be able to snag a spot, unless you're willing to fly out to Hawaii or some other desolate location. Give yourself ample prep time (~3 months) and make sure you're prepared. It seems as if you're struggling with OChem, which you'll need to master and understand if you wish to obtain an impressive MCAT score. I'd suggest taking it Winter/Spring 2013, with cushion time so that scores are released before AMCAS applications can be turned in (You're gonna wanna apply as soon as you get the green light to do so).
As for your GPA, aim for that 3.3, and don't settle for the 3.1. That 0.2 difference in your GPA makes a world of a difference. If you can bring it up to a ~3.5-3.6 with a year or two of post-bacc, your chances will significantly increase, especially if your MCAT score isn't eyebrow-raising. SMP is another viable option, but imho your situation seems salvageable with just a year (or two) of post-bacc.